A small ISO replaced manual bank statement review with AI-powered underwriting. Here's what changed - and what didn't.
A three-person independent ISO based in the Northeast. They primarily fund merchants in home services, construction, and retail - deal sizes typically ranging from $25K to $150K.
Before FundingBrother.com, the team relied on spreadsheets and manual bank statement review. Each broker had their own process, which meant submission quality varied depending on who picked up the file and how much time they had that day.
A single file with six months of statements could take 40-50 minutes to review by hand - before any real decisions were made.
Existing positions, NSF patterns, and declining revenue trends were easy to overlook when working quickly under deal pressure.
Different brokers on the team produced different quality levels, leading to back-and-forth with funders and avoidable declines.
By the time a file was fully reviewed, competing brokers had already submitted. Speed-to-contact was a recurring bottleneck.
The team started using FundingBrother.com to analyze merchant bank statements before submission. It didn't replace their CRM, their funder relationships, or their judgment. It sat in between the moment statements arrived and the moment a file went out the door.
Upload statements and get structured financial extraction in seconds - revenue, NSF count, existing positions, cash-flow trend.
A 0-100 score with classification (strong, moderate, challenging, high risk) so the team knows immediately whether a file is worth pursuing.
AI surfaces potential concerns - stacking indicators, revenue decline, high NSF activity - before the file reaches a funder.
Context-aware AI answers deal-specific questions: positioning, funder fit, what-if scenarios - grounded in the actual analysis results.
This case study uses fictional, illustrative data to demonstrate a typical broker workflow. Figures are approximate and do not represent real customer results. Individual results vary depending on deal volume, statement quality, and workflow.
Merchant emails 3-6 months of bank statements as PDFs.
Drag and drop the files into a new deal. No setup or configuration.
AI extracts revenue, NSF count, existing positions, and risk signals in seconds.
Context-aware AI answers deal-specific questions about positioning and concerns.
Move forward in the existing CRM or submission process with structured intelligence.
The results described here are based on real usage patterns and anonymized feedback from brokers who have used FundingBrother.com to analyze merchant deals. Names, locations, and identifying details have been removed or generalized. Metrics are approximate and reflect self-reported outcomes - they are not guarantees. FundingBrother.com is an analytical tool, not a funding decision-maker. Brokers remain responsible for all submission and underwriting decisions.
Upload merchant bank statements and get structured underwriting intelligence in seconds. No cost, no lock-in, no replacing your existing tools. Your deals stay private.
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